if the amount is large and the circumstances are serious, the bank will report to the public security organ. If the public security organ thinks that it meets the crime of credit card fraud, it will file a case for investigation. According to the criminal case flow, it will go through the procedures of filing, investigation, prosecution and trial, and finally the court will pronounce a sentence. (Malicious overdraft is one of the plots of credit card fraud, which conforms to the malicious overdraft plot, such as subjective malice, objectively implemented behavior, etc., and the amount is the principal 1W)
As a result, if the public security organ has repaid all the overdraft interest before the people's court makes a judgment, it can be given a lighter punishment, and if the circumstances are minor, it can be exempted from punishment; If the amount of malicious overdraft is large, and all overdraft interest has been repaid before the public security organ files a case, and the circumstances are obviously minor, criminal responsibility may not be investigated according to law; If you just don't pay back the money, then going to jail is certain.
in my personal opinion, the law is floating clouds, and repayment is king.